Executive Summary

In 2026, organizations are navigating a complex landscape defined by healthcare inflation, widespread burnout, and growing employee demand for flexible, personalized health and well-being support. These pressures are pushing leaders to refine their benefits approach to strike a careful balance between delivering meaningful value to employees and maintaining cost-effective, sustainable offerings. Success will depend on the strength of individual benefits, and on how they interact with adjacent policies—like paid time off, flexible scheduling, and care access—to form a cohesive and resilient well-being strategy.

This year’s Employee Well-Being Industry Trends Report is designed to guide organizations in making well-informed decisions regarding employee wellness benefits. This report is distinctly shaped by data collected directly from health insurance brokers, who represent thousands of employers and millions of employees. It offers a detailed analysis of investment trends, key factors influencing decision-making, and criteria used by organizations to evaluate wellness vendors. This year’s edition features dedicated sections on artificial intelligence (AI) adoption, top financial wellness solutions, and engagement barriers in mental health support. These timely insights are particularly crucial for HR leaders as they plan and implement wellness initiatives for the year ahead.

Mental Health Icon

Barriers to Engaging Employees in Mental Health Programs

Key Barriers to Mental Health Resource Engagement

Despite growing investment in workplace mental health, many employees remain disconnected from available support. The most common barrier respondents cited is simple but significant: awareness. Only half of today’s workforce knows how to access care through their employer benefit plans, and programs that are limited in scope (like EAPs offering only a few counseling sessions) often fail to generate engagement. Without consistent communication, even well-intentioned offerings fall flat.

Cost and access are also major obstacles. Rising medical renewals are challenging for HR budgets, limiting the ability to add or expand services. Meanwhile, long wait times for appointments (sometimes up to six months), combined with providers not accepting insurance, weak networks inhibiting virtual support, or rural access challenges, make proper care difficult to obtain. These hurdles are compounded when programs lack specialized support for key groups like parents or teens.

Finally, cultural and structural issues pose their own set of challenges. Stigma, concerns around confidentiality, and a general lack of trust deter employees from engaging. Internally, respondents cited roadblocks such as red tape, union barriers that prohibit new vendors, and insufficient leadership promotion as inhibitors to progress. To improve utilization, employers need comprehensive, accessible, and inclusive benefits, and stronger, more targeted communication accompanied by visible support from leadership to ensure stronger engagement and equitable care access.

AI-Powered Wellness Icon

AI-Powered Wellness Solutions: Emerging, but Not Yet Mainstream

Adoption of AI-powered wellness solutions is growing, but cautiously. Fifty-two percent of respondents indicated that, in 2025, their clients either had not invested in AI wellness tools, or they were uncertain whether any investment had been made. Over one-third (34%) of respondents indicated clients had invested in limited areas, such as mental health, fitness tracking tools, or personalized financial guidance. Only 14% said clients leveraged AI across multiple wellness domains, suggesting that most organizations were still in the exploration phase last year.

In 2026 however, there is a clear push for more investment as 30% of respondents are actively recommending AI-powered wellness tools to employers, and a substantial 65% say they are considering doing so in the near future.

This growing interest suggests that industry professionals are increasingly recognizing AI’s potential to deliver scalable, personalized support, especially as solutions become more refined and accessible. However, many employers are still hesitant about AI implementation due to aspects like data privacy and security concerns, lack of trust in AI-driven recommendations, and compliance or regulatory uncertainty.

As the majority of consultants and brokers warm to these technologies and early-adopter employers see results, broader adoption may follow, particularly in areas where AI enhances the user experience, reduces administrative burden, or delivers actionable health insights. For now, AI is a rising trend to watch, with untapped potential still waiting to be realized and a variety of perceived risks employers will have to weigh against its benefits.

Employers’ Perceived Risks with Adopting AI-Powered Wellness Solutions
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Financial Wellness Icon

Financial Wellness Is a Clear Priority

Financial Wellness Investment Trend
Investing More
Investing Same
Investing Less

Financial wellness is emerging as a key area of focus in 2026. A majority (55%) of respondents indicate an increase in spending in this category, up 11% from the previous year. This rise points to a growing commitment to employees' financial stability as part of a more holistic approach to well-being.

Respondents highlight financial planning tools or coaching (through one-on-one or digital platforms), personal finance education, and reimbursement programs (e.g., commuting or gym memberships) as top solutions. Many organizations are expanding their investment to support employees across all life stages—from student loan assistance to increased retirement contributions—recognizing that financial stress varies widely based on age, role, and income level.

This uptick is likely in response to the mounting financial stress today’s workforce is facing. Sixty-six percent of employees feel stressed about their financial situation, and 76% believe the cost of living is rising faster than their income. Over half (57%) are living paycheck to paycheck, and just 25% say they are on track for retirement. These numbers highlight the urgency of financial wellness as a retention tool and a pillar of sustainable workforce well-being.

Decision Influencers

Respondents were asked how various factors influenced their employee well-being benefits decisions in 2026. While cost pressures remain the dominant force, employers are still working to design competitive well-being strategies that support workforce resilience, mental health, financial stability, and a positive employee experience. The following sections outline how each influencer is shaping employer choices in the year ahead.

93%
Managing Rising
Benefits Costs
70%
Creating Competitive
Benefits Plans
35%
Uncertainty about
Healthcare Reform
29%
Adapting to New Software Platforms
47%
Macroeconomic
Conditions
70%
Aligning Benefits with
Employee Interests
70%
Measuring ROI on
Benefits
93%
significantly influenced by managing rising benefits costs

Managing rising benefits costs remains the dominant factor influencing employer decisions around well-being benefits in 2026, with 93% of respondents reporting it as significantly influential. Mercer projects that total health benefit cost per employee will rise 6.5% in 2026, the highest increase in 15 years, even after employers take steps to control costs. Without interventions, it’s estimated that annual increases would approach 9%, reinforcing that financial strain is strongly shaping benefits decisions.

Cost pressures are intensifying across multiple areas of health spending. According to HUB International, prescription drug costs are expected to grow 10% to 12% in 2026, driven by specialty medications, expanded use of GLP-1 drugs, and continued innovation in high-cost therapies, making pharmacy inflation one of the most volatile elements of healthcare trend.

Given these escalating costs, employers should consider expanding their use of preventive and holistic well-being programs as a cost-management strategy. Investing in resources such as stress-management tools, digital behavior-change platforms, or chronic-condition support can help reduce high-cost utilization over time while strengthening employee resilience. By emphasizing cost-effective, high-impact well-being initiatives, organizations can help manage rising health expenses without diminishing the value employees expect from their benefits package.

70%
significantly influenced by creating competitive benefits plans

Creating a competitive benefits plan remains highly influential, with 70% of respondents citing it as a key factor in shaping well-being strategies. Even as cost pressures intensify, employers recognize that wellness programs are essential to attracting and retaining talent. Forbes reports that 90% of workers value employee well-being as much as compensation, with nearly half willing to pass on a 10% pay bump in exchange for enhanced wellness benefits.

To remain competitive, employers should highlight the well-being initiatives that enhance the perceived value of their total rewards package, using them as a strategic differentiator in recruiting and retention efforts. For example, offering robust mental health benefits, such as expanded virtual counseling access or no-cost therapy sessions, can signal a strong commitment to workforce well-being and set an employer apart in a crowded labor market.

Aligning well-being benefits with employee interests remains a significant decision driver, with 70% of respondents noting this factor influences their 2026 strategy. Organizations that consistently gather and act on employee feedback are more effective at pinpointing employee priorities, uncovering gaps, and refining or expanding well-being programs accordingly.

To better align benefits with workforce expectations, employers should use structured feedback to guide ongoing improvements to their well-being strategy. Prioritizing the programs that meaningfully support employees’ day-to-day lives can help ensure benefits are relevant and fully utilized.

Percentage of Employers Significantly Influenced by the Need to Align Benefits with Employee Interests
70%
significantly influenced by measuring ROI on benefits

Measuring the impact of well-being benefits remains a priority for employers in 2026, with 70% of respondents reporting that ROI is significantly shaping their decisions. As organizations confront rising healthcare costs, leaders are looking for clearer evidence that well-being investments contribute to healthier, more resilient, and more engaged teams.

With the continued investment in areas like mental health, stress management, and resilience, our research highlights the growing emphasis on value on investment (VOI): an approach that measures a broader set of outcomes, expanding on traditional ROI metrics (e.g., healthcare cost savings) to include areas like engagement, morale, retention, and productivity. These indicators offer a more complete picture of how well-being programs contribute to organizational performance.

Macroeconomic uncertainty remains a significant factor for 47% of employers shaping their well-being strategies in 2026. Inflationary pressure and broader economic volatility are prompting organizations to be more deliberate about which well-being investments offer meaningful stability and support.

Percentage of Employers Significantly Influenced by Macroeconomic Conditions

The growing impact of burnout on the workforce is adding to these pressures. A recent analysis cited by Forbes found that 82% of employees are at risk of burnout, with estimated costs ranging from $4,000 to over $20,000 per employee each year due to productivity loss and turnover.

Given the financial risks associated with burnout, especially during periods of economic volatility, employers should consider strengthening preventive well-being initiatives that support resilience, reduce stress, and help stabilize productivity. Focusing on cost-effective programs that address emotional, financial, and mental well-being can serve as a proactive hedge against the heightened pressures created by uncertain macroeconomic conditions.

Uncertainty around healthcare legislation continues to influence employer decision-making, with 35% of respondents noting this factor shapes their 2026 well-being strategies. Even without major federal overhauls, ongoing adjustments to health plan rules, such as evolving transparency and reporting requirements, create ambiguity that makes long-term planning challenging for employers.

To navigate this uncertainty, employers should stay informed on upcoming regulatory changes and review their well-being plans regularly so they can adjust quickly if new rules affect eligibility, reporting requirements, or communication needs. Keeping up with federal agency updates can help organizations stay compliant without disrupting the employee experience.

Influence of Uncertainty Regarding Healthcare Legislation
Minimally Influenced
Somewhat Influenced
Significantly Influenced

Helpful Resources for Staying Informed on Regulatory Updates:

29%
significantly influenced by adapting to challenges of new software platforms

Adapting to new software platforms is a meaningful consideration for 29% of employers in shaping their well-being decisions in 2026. As organizations evaluate benefits administration systems, well-being platforms, HRIS tools, and emerging AI-enabled solutions, many are weighing how technology complexity affects the employee experience and HR operations. Concerns about adoption, ease of use, and integration are influencing which well-being technologies employers are willing to introduce into an already crowded digital environment.

To address this challenge, employers should prioritize well-being technology that is simple, intuitive, and minimally disruptive to employees’ existing workflows. Employers should consider platforms that integrate cleanly with current systems to strengthen engagement and ensure well-being initiatives deliver their intended impact.

Only 11% of employers say DEI initiatives significantly influence their 2026 well-being decisions, reflecting a broader national shift in how organizations approach DEI. Many companies rolled back DEI programs in 2025, driven by political climate changes, economic pressures, and challenges measuring ROI.

Although there are still many companies maintaining or modestly increasing DEI budgets, a meaningful segment is scaling back, with some redirecting funds to general operations, AI initiatives, or other business priorities. These trends suggest a reevaluation of DEI as a standalone investment heading into 2026.

Rather than relying on approvals and budgeting for standalone programs, organizations can embed inclusion principles into well-being initiatives, communication practices, and overall benefits design to ensure all employees feel supported, regardless of budget shifts or organizational restructuring.

Percentage of Employers Significantly Influenced by the Need to Implementing Internal DEI Initiatives/Programs

Vendor Criteria

This year, 37% of respondents identified pricing as their top priority in vendor selection, clearly reflecting the growing demand for cost-efficiency amid projected spikes in healthcare spending and double-digit prescription drug inflation. In today’s market, employers are looking for measurable value at sustainable price points.

That said, other priorities are beginning to shift. Flexibility and customizability ranked second, with 17% of respondents selecting it as their top criterion. This suggests that organizations are seeking solutions that can adapt to the unique needs of their workforce.

Notably, accessibility and inclusivity saw a meaningful rise, with 13% of respondents naming it their top priority, up significantly from just 4% in 2025. This highlights a growing recognition that equitable wellness offerings are essential for meeting the needs of diverse employee populations. Innovation and technology also experienced a modest increase, with 8% of respondents selecting it as their top criterion. This 4% uptick from last year is likely driven by the growing interest in how AI and emerging technologies can enhance personalization, engagement, and delivery of wellness programs.

37%

of brokers selected pricing as the top priority for vendor selection

17%

of brokers selected flexibility and customizability as the top priority for vendor selection

13%

of brokers selected accessibility and inclusivity as the top priority for vendor selection

9%

of brokers selected customer service as the top priority for vendor selection

8%

of brokers selected innovation and technology as the top priority for vendor selection

7%

of brokers selected customer testimonials as the top priority for vendor selection

6%

of brokers selected domain expertise as the top priority for vendor selection

3%

of brokers selected reporting and measurement as the top priority for vendor selection

Best Practices for Wellness Programs

Finally, the survey asked respondents how often their clients employ six best practices that can optimize their wellness programs. Brokers were asked whether most of their clients, some of their clients, or few to none of their clients engaged in the associated practices. This section outlines the results along with how organizations can effectively implement these practices into their wellness programs.

How Many of Your Clients Invest in These Programs?
None of My Clients Do This
Few to None Clients Do This
Some Clients Do This
Most Clients Do This
None of My Clients Do This
Few to None Clients Do This
Some Clients Do This
Most Clients Do This

Investing in wellness program rewards and incentives remains one of the most widely adopted strategies. This year, 88% of respondents report that some or all of their clients rely on incentives to boost engagement, emphasizing their continued importance in driving participation. Research shows that rewards effectively reinforce behavior change: when people experience positive outcomes, such as external incentives like points or prizes, they are more likely to repeat the behavior and develop healthy habits.

A successful wellness rewards program supports holistic well-being by driving sustained engagement. Follow these steps to build a program that aligns with your culture and employee needs:

  • Assess employee priorities: Start with pulse surveys or focus groups to understand what motivates your team and what challenges they face. Tailor rewards to support different wellness dimensions (e.g., yoga mat for physical wellness, extra PTO for emotional well-being, gift cards to support employees financially).
  • Choose a structure: Decide whether to run a continuous program, time-based challenges (e.g., month-long step goals), or a blended approach which can help maintain engagement while offering moments of novelty.
  • Set clear, inclusive goals: Define specific, measurable behaviors to reward, such as attending a mindfulness webinar, logging daily steps, or completing preventive screenings. Ensure goals are flexible so employees of all wellness levels can participate.
  • Use a point-based or tiered system: Assign points based on the time and effort required for each activity. For example, 200 points for a webinar or 600 for completing a 30-day fitness challenge. Offer rewards tiers to encourage ongoing participation.
  • Monitor and adjust: Track engagement, reward redemption, and feedback to evaluate success. Use these insights to evolve the program, update incentives, or improve accessibility.
Seventy-two percent of respondents report that some or all of their clients prefer lifestyle-based wellness programs over clinically focused models.
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Importantly, this year’s growing emphasis on preventive care and physician engagement along with investments into mental health, stress management, and financial wellness programs (which saw an 11% increase from last year) signals a shift toward holistic well-being that integrates clinically grounded initiatives with lifestyle-based offerings.

A lifestyle-based approach focuses on improving daily habits that support long-term health and quality of life. Consider these strategies to build a more holistic and inclusive program:

  • Broaden the definition of preventive care: Support proactive health habits by incorporating fitness challenges, health literacy campaigns, and nutrition support in tandem with encouraging regular physician engagement.
  • Prioritize employee needs in today’s economic climate: Offer financial education workshops, expand access to retirement planning tools, and consider stipends or reimbursement benefits that reduce day-to-day financial stress.
  • Strengthen mental health support: Expand access to therapy or coaching, offer mental health days, integrate mindfulness apps or sessions, and host webinars focused on emotional resilience and stress management.
  • Build flexibility and customization into programs: Allow employees to choose how they participate, earning points or rewards through physical activity, mindfulness exercises, volunteering, or attending educational sessions.
  • Promote a culture of wellness through everyday practices: Encourage work-life balance with flexible schedules, protect PTO as time for true rest, and normalize daily breaks for movement, reflection, or recovery.

Technology has become an essential pillar of modern wellness strategies with 75% of respondents reporting that some or all of their clients have integrated wearable technology into wellness programs.

Spending on fitness wearables surged 88% in 2025, with smart rings emerging as a major driver of that growth. Wearables provide real-time feedback, which fosters personal accountability and empowers users to monitor their progress with minimal effort. When integrated into wellness programs, they also introduce elements of gamification, turning health goals into challenges, rewards, and team competitions that make participation more engaging.

Wellness platforms also continue to evolve, serving as centralized hubs for content, challenges, communication, and analytics. When paired with wearables, they offer a seamless experience that encourage employees to take charge of their well-being and give organizations a clearer view of program effectiveness.

To integrate these technologies into wellness programs, consider the following guidelines:

  • Make wearables accessible: Consider offering subsidies, reimbursements, or device lending libraries to reduce cost barriers. Accessibility drives equity and boosts participation.

  • Prioritize platforms with strong integrations: Use wellness platforms that sync easily with popular wearables (e.g., smart rings, watches, fitness trackers) or apps like Apple Health to enable real-time tracking and goal setting.

  • Support the full spectrum of well-being: Ensure all program technology supports not just physical health, but also emotional, financial, and social well-being through diverse activities and resources.

  • Communicate clearly and protect privacy: Be transparent about how data will be used and stored. Reassuring employees builds trust and increases engagement.

  • Use data for personalization: Leverage analytics to identify participation trends and tailor content, challenges, and rewards to meet evolving employee needs.

Leadership involvement remains one of the most powerful, yet underused, drivers of wellness program success. When leaders participate in wellness initiatives, it signals organizational commitment, encourages broader engagement, and helps embed health and well-being into company culture. It also tends to unlock stronger funding, visibility, and support across departments.

This year, 72% of respondents report that some or all of their clients have leadership involvement in their wellness programs, indicating widespread understanding that this low-effort, high-impact strategy can significantly improve program uptake and outcomes.

Effective leadership involvement looks like:

  • Regular participation: Normalize wellness by having leaders actively join challenges, workshops, or team well-being breaks.

  • Communication leadership: Involve leaders in launching wellness initiatives and speaking to their importance in company-wide communications.

  • Visible support at events: Ask leaders to kick off wellness events and participate alongside employees.

  • Authentic storytelling: Encourage leaders to share their own wellness journeys, whether small wins or personal challenges, to humanize the effort and boost relatability.

  • Resource backing: Ensure leadership helps secure time, budget, and policy support for programs to reinforce that employee well-being is a business priority.

Only 18% of respondents indicate that most of their clients are measuring the return on investment (ROI) of wellness programs while almost half (42%) report few of their clients do. Traditional ROI metrics often focus narrowly on reductions in healthcare costs, which can be challenging to uncover as this outcome is influenced by numerous variables beyond the wellness program. This limited scope can overlook the broader value these initiatives deliver across the organization.

To capture a more complete picture, many employers are turning to Value on Investment (VOI) as a strategic complement to ROI. VOI broadens the evaluation lens to include both quantitative and qualitative outcomes, such as employee engagement, morale, retention, productivity, and overall well-being. These factors may not translate directly into immediate cost savings but have a significant impact on organizational performance over time.

By assessing both ROI and VOI, organizations can better understand the full impact of their wellness programs, balancing financial accountability with long-term value creation and enhanced employee experience.

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Employee Wellness Interest Survey Template

Despite its critical role in shaping effective wellness programs, only 17% of respondents say most of their clients actively collect employee feedback through surveys. This suggests that while a majority (60%) of respondents indicate an increase in wellness program investment, many organizations are still making decisions without fully understanding what their employees want or need.

As wellness programs become more complex, skipping this step increases the risk of misaligned benefits, underused resources, and disengagement. In fact, benefits satisfaction has declined to 61%, down from 66% in 2024, according to a recent report.

While cost continues to be a primary driver in wellness decisions, often outweighing employee preferences, simple tools like quarterly polls, pulse checks, or interest surveys can surface hidden barriers, highlight new opportunities, and reinforce that employee input is valued.

Employee Wellness Interest Survey Template

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Employee Wellness Interest Survey Template

To optimize the effectiveness of feedback mechanisms, consider the following:

  • Move from periodic to continuous listening: Layer ongoing check-ins on top of one-time surveys to stay attuned to shifting needs and real-time sentiment.

  • Keep it short and targeted: Ask fewer, more meaningful questions tailored to specific topics like stress, workload, or program satisfaction to avoid fatigue and increase response quality.

  • Use tech to capture and analyze feedback faster: Incorporate tools that use AI or built-in analytics to surface insights quickly, especially from open-text responses.

  • Diversify methods: Not everyone will engage through surveys. Use anonymous comment boxes, quick polls in meetings, or opt-in feedback moments after events to reach more employees.

  • Follow up with visible action: Communicate what surfaced in the feedback and what’s changing as a result. Even small shifts based on employee input can increase engagement and trust over time.

Conclusion

Wellable’s 2026 Employee Well-Being Industry Trends Report reveals a well-being landscape defined by strategic recalibration. Organizations are not retreating from wellness benefits but refining their strategies by pursuing high-impact, clinically grounded, and cost-effective solutions that respond to evolving employee needs and current economic drivers. Mental health, weight management, disease prevention, and financial well-being top the list of growing investment areas, with a clear emphasis on personalization, accessibility, and measurable outcomes.

As benefits budgets come under increased pressure, employers are moving beyond one-size-fits-all programming to build holistic, integrated experiences that support resilience and performance. AI-powered tools, lifestyle-based interventions, and physician engagement are gaining traction, while more traditional offerings like biometric screenings and fitness classes face continued decline. Success in this shifting environment will hinge on strategic alignment that ensures wellness investments are backed by leadership, driven by employee input, and embedded within a broader culture of wellness.

Explore The Data

When available, the report showcased seven years of historical data. The gradual year-over-year trends provide useful context for the drastic changes brought on by the pandemic and the following economic uncertainty.

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2026 Investment Trends
Historical Comparison
No Answer
Investing Less
Investing Same
Investing More
*Note: Totals in some charts may not sum to 100% due to rounding.
2026 Influencers
Historical Comparison
Minimally Influenced
Somewhat Influenced
Significantly Influenced
*Note: Totals in some charts may not sum to 100% due to rounding.
2025
2026
Accessibility and Inclusivity
Customer Service
Customer Testimonials
Domain Expertise
Flexibility and Customizability
Innovation and Technology
Pricing
Reporting and Measurement

Appendix

Average Client Size

Small

250 employees

6%
Large

1,000+ employees

19%
Medium

250 - 1,000 employees

75%

Years of Experience

Brokerage Firms

Marsh & McLennan Companies, Inc.
Arthur J. Gallagher & Co.
Willis Towers Watson PLC
Brown & Brown Inc.
Alliant Insurance Services Inc.
Hub International Ltd.
USI Insurance Services LLC
AssuredPartners Inc.
Lockton Companies LLC
NFP Corp.
EPIC Insurance Brokers & Consultants
Digital Insurance Inc., dba OneDigital
IMA Financial Group Inc.
Aon
Hylant Group Inc.
CBIZ Benefits & Insurance Services Inc.
Lawley LLC
gbs
Moreton & Co.
The Baldwin Group